For collection agencies

A compliant operator cockpit, priced per seat.

Debt Digest is the technology service provider your agency works on. Each collector gets one productive workstation with the call queue, resolution workflows, and Reg F tooling built in. You stay the collector of record; we run the software underneath. Flat per seat, no platform percentage on your contingency.

Talk to us See pricing

$200 / seat / mo

Per operator seat

Each collector who works accounts in the platform.

$1,000 / mo

Monthly floor

Covers your first five seats; scale up from there.

Platform cut of contingency

We never take a percentage of what you collect. Texas Rule 5.04(a) clean.

The line that matters

You are the collector. We are your Service Provider.

Under the FDCPA, your agency is the party of record: the section 1692a(6) collector that places, contacts, and resolves the account. Debt Digest is a technology service provider under Reg F section 1006.2(e): we host the data and run the software your collectors work in. We never make a demand in our own name, and our fee never moves with the dollars you recover, so there is no platform share of your contingency to point to.

FDCPA §1692a(6) you are the collector Reg F §1006.2(e) we are the service provider Tex. Rule 5.04(a) no fee-split

What each seat gets

One workstation built for compliant collecting

The agency tier ships with the Layer 02 Recovery operator cockpit, activating Q3 2026. Every capability below is in the product your collectors log into.

Operator cockpit

Your move, first.

A triage inbox that surfaces the accounts waiting on you: your move, awaiting, stalled, closing. Each collector works a prioritized queue, not a spreadsheet.

Call queue

One-tap dispositions.

Request a call, accept, complete, close. Every contact is logged to the account timeline as it happens, so the audit trail writes itself.

Resolutions

BIF, PPA, and settlement, in one flow.

Send an offer, counter, and record payment against the creditor's configured floor. Offers above the floor move; below routes for review.

Frequency§1006.6

The 7-in-7 counter is on screen.

A per-account contact-frequency counter with color escalation, so a collector sees the Reg F window before they place the next call.

Notices§1006.34

Validation-notice templates built in.

Deterministic-data templates for the section 1006.34 validation notice, produced under your direction, with the account specifics injected.

Cross-tenant firewallIn development · Q3 2026

Stop outbound when a consumer is represented.

Architecture A: when a consumer-side firm registers a representation, the platform is built to stop outbound across tenants. In development for Q3 2026.

Why agencies switch

A cloud-native cockpit, not another legacy dialer bolt-on

Most agency platforms were built before Reg F and price like a phone system. Debt Digest is the alternative.

Legacy collection platform

On-premise or bolted-on dialer; compliance is a separate workflow.

Reg F frequency and validation tracked outside the operator screen.

Per-collected-dollar or seat-plus-usage pricing that scales with success.

Debt Digest

Cloud-native cockpit; the Reg F counter and notice tooling are on the operator screen.

A technology service provider posture that reduces your third-party-risk-management burden versus a section 1692a(6) collector vendor.

Flat per seat, no platform percentage on your contingency. The bill is the same in a great month and a slow one.

Pricing

Priced per seat, posted in public.

$200 per seat / month · $1,000 monthly floor

Growth and Enterprise tiers add AI templates, white-label, and the Architecture A firewall. Growth tiers can add an optional flat one to three dollars per resolution processed: a fixed software-work fee, identical whether the resolution settled $500 or $50,000, never a percentage and never a cut of your contingency.

See full pricing

Indicative pricing pending the scheduled calibration review. The agency tier activates with Layer 02 Recovery in Q3 2026.

Talk to us

See the operator cockpit on a screen share.

Thirty minutes, the live product on a sample portfolio, and straight answers on the Service Provider posture for your CCO. No deck.

Request a walkthrough Read the trust center